6.4 Współfinansowanie Programu LIFE

Cel

Energia, środowisko, infrastruktura

Znaczenie dla B+R

1 z 3

Polska kwalifikuje się

Tak

Ograniczenie krajów

Poland

Region

Dowolny

Konsorcjum

Niejasne

Poziom gotowości (TRL)

—

Tematy

• Environmental protection
• LIFE project co-financing

Ocena maszynowa na podstawie tekstu naboru; warunki sprawdź u źródła. 23 paź 2026

Fakty wyodrębnione z dokumentów źródłowych w przeglądzie danych Scindu. Każda wartość ma własne warunki. Brak danych oznacza, że źródło nie podaje wartości, a nie zero ani brak limitu.

Typ wnioskodawcy

Applicants must be registered in Poland and belong to a programme beneficiary category; this exact liquidity-loan route further requires the applicant to be the LIFE project coordinator or a co-beneficiary (including the specified national/international or foreign-project roles). A qualifying LIFE agreement and NFOŚiGW co-financing agreement are also required; a foreign-project co-beneficiary may borrow only for its own eligible activities.

Ograniczenie wniosku

Applications are filed electronically in GWD with an electronic signature; where that signature cannot be used, the applicant also submits the GWD-generated barcode printout and signed declarations by mail/courier or at the NFOŚiGW office. Ordinarily only one liquidity-loan application per applicant for the same project and form is considered, with the first received controlling if duplicates are filed. The rules expressly allow a new application for the same project in the same call after rejection at the access or qualitative stage, and after refusal to award financing; thus the one-application rule is not an absolute bar to reapplication. The substantive annex requires authority/signatory evidence and, for co-beneficiaries, documentation of the requested loan and the final payment attributable to them.

Ograniczenie wniosku

The applicant must already have an EC LIFE grant agreement for the project, and an NFOŚiGW LIFE co-financing agreement (grant, or the relevant state-budget transfer case). The loan application must be filed before the completion date in the LIFE grant agreement. The programme criteria also require a timely, complete current-form application, beneficiary-category fit, project not completed, no qualifying NFOŚiGW termination in the preceding 3 years except mutual termination, public/civil obligations met, and consistency with the programme.

Ograniczenie wniosku

Exact route is the continuous 2025–2027 LIFE liquidity loan, call 10/NC/UR/6.4/2025/Pożyczka_LIFE. The notice states intake 3 March 2025–31 December 2027 or until the loan allocation is exhausted. The 22 October local source row marks it open; GWD acceptance and any remaining balance were not live-tested.

Inny warunek

The liquidity facility is an interest-bearing loan, may be structured as a revolving limit, is disbursed in PLN, and the amount is converted to EUR using the NBP average rate on the final business day of the month before filing or updating the application. The model contract shows the final limit, interest and schedule are set in the completed Special Terms; no security amount or individual repayment schedule can be inferred from the blank model.

Inny warunek

No capital repayment grace period is provided and the liquidity loan is not subject to forgiveness. Principal is due within 7 days after EC funds arrive in the borrower’s account; if they do not arrive, repayment is due no later than the end of the financing period. Interest is paid quarterly.

Alokacja naboru

23 030 118 zł

The call notice says this is the amount currently available in the priority programme budget for loans, as shown in the retained 23 October 2026 source capture. It is a programme allocation, not a per-applicant maximum; remaining availability was not independently confirmed. The priority programme separately sets up to PLN 30m for repayable forms overall.

Koszt kwalifikowalny

The underlying LIFE programme cost categories are those in the EC LIFE grant agreement and other applicable LIFE programme documents, not a separate NFOŚiGW list of individual loan-funded cost items. For international projects led by a Polish-registered coordinator, only activities conducted or producing effects in Poland by Polish-registered coordinator/co-beneficiaries are counted; a co-beneficiary of a foreign project may count only its own activities conducted or producing effects in Poland. The liquidity-loan principal itself is capped by the eventual final EC payment attributable to the borrower.

Karencja, maksimum

0 months of principal repayment grace period

The LIFE liquidity-loan programme provides no grace period for repayment of principal instalments; this value records that explicit no-grace rule and does not imply a date-based deferral.

Oprocentowanie, minimum

1,5 percent per annum, with variable WIBOR 3M + 0.25 percentage point formula and 1.5% floor

Rate is WIBOR 3M plus 25 basis points, but not lower than 1.5% per year. Interest is paid quarterly; the first payment is at the end of the calendar quarter after the quarter in which the first tranche is disbursed. The 1.5% is a floor, not the full rate.

Kapitał pożyczki, maksymalny udział

80 percent of equivalent EC final LIFE payment attributable to this applicant

The liquidity-loan principal cannot exceed 80% of the equivalent of the final LIFE payment from the European Commission attributable to this applicant. This is a loan-principal cap, not grant funding intensity, a share of total eligible project cost, or a universal fixed PLN maximum.

Kapitał pożyczki, minimum

200 000 zł

Minimum for the liquidity loan. The maximum is separately limited to 80% of the applicant-specific equivalent of the EC final payment; no fixed maximum principal is published.

Okres pożyczki, maksimum

36 months from the LIFE project completion date

Standard financing period may not exceed 24 months after project completion. If the EC payment has not reached the borrower within those two years, the period may be extended to a maximum of 36 months after completion.

• Call announcement: LIFE liquidity loan 2025–2027

  gov.pl

• Regulations: LIFE loan 2025–2027

  gov.pl

• Model agreement for LIFE liquidity loan, current official ZIP attachment

  gov.pl

• Official NFOŚiGW call page: LIFE loan 2025–2027

  gov.pl

• Priority programme: Współfinansowanie Programu LIFE, version 17 June 2025

  gov.pl

• Official NFOŚiGW LIFE co-financing programme page

  gov.pl

• Required substantive annexes for LIFE liquidity loan

  gov.pl

Otwarcie

3 mar 2025

Instytucja

NFOŚiGW · Ekspertyzy środowiskowe

Źródło

gov.pl

Sprawdzono

24 paź 2026

Status przeglądu

Przegląd częściowy

Niezależne QA

Brak opublikowanego wstrzymania

Przejrzano

23 paź 2026